Farmers pay the housing provident fund, will this work?

There is a stable source of income is

The key to whether the peasant's personal public accumulation system can be successfully implemented

Feng Yiba, a peasant in Huazhong Community, Longgang City, Wenzhou, Zhejiang, has not been able to live in a new house because of funding problems. In September this year, he finally saw hope.

Since September 1st, Longgang City, Wenzhou, Zhejiang Province has piloted the reform in 13 communities. Local farmers can pay housing provident funds, and can withdraw housing provident funds for buying and building houses.

Incorporating more people into the guarantee of the provident fund is the deserved meaning of the provident fund reform. However, incorporating farmers into the provident fund construction target also causes different voices. Will this cause farmers to take over? In addition, what is the significance of this?

Farmers' provident fund can buy houses to build houses

According to the regulations of Longgang City, members of the flexible employment collective economic organizations who have reached the age of 16 and have not reached the legal retirement age can be included in the provident fund construction objects, including most of the village farmers, migrant workers, individual industrial and commercial households, etc. Based on the ratio of 10%of the minimum monthly salary standard of Longgang City in the previous year, the housing provident fund is voluntarily paid; in addition, Longgang City's members of the "houseless households" collective economic organization who pays housing provident fund shall implement Subsidies, the standard is 25%of personal monthly deposits, up to 75 yuan per person per month.

The regulations also point out that after 6 months of continuous deposits, farmers can enjoy the amount of provident fund loan ranging from 150,000 to 500,000 yuan.

Once this policy was released on August 31, 50 villagers such as Feng Yiba and other 50 villagers immediately applied for an application. After the official implementation on September 1, after review, the Longgang Provident Fund Management Department is opening a personal accumulation account for them one by one.

The original intention of the establishment of the housing provident fund was to solve the problem of insufficient housing funds in urban employees. From the perspective of experts, the pilot of Zhejiang Longgang City has a certain breakthrough.

Fan Jian, deputy dean of the China Housing and Real Estate Research Institute of Zhejiang University of Technology, two -way China News Weekly said that the basic principles of the reform of the housing provident fund system should be to meet the reasonable housing needs of different families. In recent years, the focus of the reform of the housing provident fund system includes two directions: one is to expand the coverage of the guarantee, and gradually incorporate the group that has not been covered by the housing provident fund, allowing the housing provident fund system to benefit more groups; The scope supports the reasonable housing consumption of the depositor. For example, some places support the depositor to withdraw the provident fund for rent, and the residents of old communities are used for self -built house maintenance and transformation. Zhejiang Longgang supports local farmers to pay housing provident funds, expand the coverage of housing provident funds, and also stipulates corresponding use rules.

The person in charge of the relevant departments of Longgang City told China News Weekly that Longgang City, Wenzhou, Zhejiang is one of the pilot counties of more than 100 households in the country. With the advancement of the reform of the homestead, we found that some groups have housing problems. The real estate is already older, but the funds want to transform are insufficient. At present, Wenzhou is launching the housing provident fund system for flexible employment staff. We are inspired. If we want to expand this scope steadily, we will also incorporate the farmers of Longgang into the management of housing provident fund. Through the reform of the housing provident fund system Eligible to withdraw the use of housing provident funds.

In this regard, Fan Jian Shuang said that the housing provident fund system benefits rural residents and will improve the housing conditions and quality of rural residents. This reflects the significance of the reform of the housing provident fund system, that is, to allow this inclusive benefits to benefit more groups and fully reflect the policy orientation of "living and living and living livable". He said that if the pilot is successful, it will have a good reference significance for other regions. Because the implementation of the housing provident fund system in rural areas is actually a useful attempt to promote the integration of the urban and rural system, which is of great significance for promoting the equalization of urban and rural public services and equal equality in urban and rural residents.

Should not completely copy the set

Of course, as far as the pilot path of Longgang City in Zhejiang is concerned, it has its particularity.

It is understood that the farmers involved in this reform are mainly members of the local collective economic organization. Many of the farmers' hukou is agricultural account, but it has not been engaged in agriculture for a long time.

According to reports, since Longgang withdrew the town in 2019, the urbanization rate and citizenship rate have increased significantly. The so -called farmers have basically worked and do business by themselves. A few. Therefore, farmers' income is basically stable.

Fan Jian Shuang said that there is a stable source of income. Therefore, rural residents who have a certain savings but lack of self -built or purchasing capabilities should be encouraged to be included in the system in a short time, which can ensure the continuity of the provident fund payment.

As far as most other parts of the country are concerned, due to the relatively weak collective economic organizations, the second and third industries in rural areas are underdeveloped, and farmers are still farming, so their income has a great seasonal change.

Professor Tang Min, Director of the Cooperation Economic Research Center of Anhui University of Finance and Economics, told China News Weekly that a stable source of income is the prerequisite for the reform of the provident fund. If farmers do not have a stable source of income, the payment of provident fund is difficult to continue. Therefore, for pure farmers, this provident fund reform measure should also be respected according to the actual situation of various places, respecting farmers' wishes, and should not be completely copied.

Fan Jianshuang said that rural residents, especially farmers who use farmers as the main source of income, have indeed uncertainty. Therefore, farmers with low income level and unstable source of income should appropriately reduce the payment base, so that the deposit amount is within its tolerance range. At the same time, risk prevention and control and due diligence should be strengthened to prevent the non -disconnected supply from being unable to reply normally. With Longgang pilot "Farmers' Housing Provident Fund", some people are worried that this policy will encourage farmers to buy a house, and then the risk of high -level peasants will be formed.

In this regard, the person in charge of the relevant departments of the above -mentioned Longgang City said that the original intention of the pilot was not to promote housing transactions, but to support farmers who support households without housing households and improve housing quality. In order to ensure the realization of this reform goal, the pilot will be steadily advanced. Initially, the 13 communities involve the qualified population of more than 23,800 people and more than 5,900 households. It is expected that 500 households will be completed by the end of the year.

Fan Jian Shuang said that according to regulations, "no households" can enjoy monthly payment subsidies on a monthly basis. Therefore, farmers who are willing to participate in the personal housing provident fund should be based on "no households". In the short term The willingness should not be high. Of course, some farmers without houses will also have a demand for buying a house if they enter the city. However, for this kind of people who need it, buying a house is self -occupation rather than investing. As for the risk of high -level receipt, it is the result of personal decision -making. There are such risks regardless of whether there are provident fund policies, and the buyers need to judge and bear themselves.

Difficulty in financing and expensive financing to be resolved

Since the launch of the pilot, many citizens have applied for the first time.

Feng Yiba is preparing to pay the depository fund to build a new house. According to him, his old house was demolished and needed nearly 400,000 funds to build a new house. The interest rate of the commercial loan was 4.9%, while the provident fund loan interest rate was only 3.25%, and the monthly loan difference was about 600 yuan.

The person in charge of the relevant departments of the above -mentioned Longgang City stated that the hoped that the pilot reform of the provident fund can alleviate the problem of difficulty financing and expensive financing of rural housing security.

At present, farmers' ways through bank loans are not very smooth. On the one hand, relatives and friends need guarantee. On the other hand, some banks have a three -year loan. After three years, the principal must be returned first, and then loaned out. The procedures are more troublesome.

In contrast, through the provident fund loan, the lender can slowly pay it slowly according to his actual situation. The pressure will be much smaller than a few hundred yuan and thousands of yuan a month.

From the perspective of local reforms, the root cause of quality is that the provident fund is a better and cheap financing channel. Whether buying a house or building a house, the provident fund can help farmers open the financing channel, and the funds are cheaper.

Tang Min said that due to unstable income and weak anti -risk ability, farmers do have the problem of "difficulty in financing and expensive financing", which is also a prominent issue restricting rural development.

Fan Jian Shuang believes that the difficulty of financing and financing at this stage is a common problem facing rural areas in the country. In addition to meeting the housing provident fund to meet the demand for housing houses without housing residents, it also provides a new financing channel for rural residents, which can greatly improve the financing environment of rural residents and improve the scale and quality of farmers' financial services. A beneficial attempt to establish an agricultural and rural credit market.

Fan Jianshuang further stated that, given that rural residents generally lack mortgage property, it is recommended that local governments jointly guarantee companies to design financing guarantees around local characteristic industries. At the same time, the guarantee company builds the "credit through traffic" between farmers and banks. Farmers through banks, farmers and banks are two -way. The guarantee company conducts risk control screening through big data, push to cooperative banks online to improve the efficiency of approval and lending; speed up the efficiency of approval and lending; speed up to speed up; speed up The construction of agricultural and rural financial digital platforms promotes the promotion and application of digital inclusive finance in rural areas.

Tang Min said that the fundamental way to solve the problem of financing difficulties and expensive financing is that through various organizational system arrangements, especially through various types of cooperative economic organizations, for market demand, due to local conditions, and developing comparative advantages due to industry conditions, the development advantage of developing a comparative advantage is due to local conditions. Industry, we get rich through the industry to solve funding problems.

Author: Liu Debing ([email protected])

Edit: Li Zhiquan

Operation editor: Xiao Ran

- END -